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Wage-earners need coverage for at least as long as they expect to be gainfully employed. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. Additionally, your age and income have a direct bearing on your life insurance needs. We are registered to sell Securities in the following states: The policy owner is responsible for paying premiums in order to maintain the policy in force. Generally, the younger you are, the more insurance you need to replace a loss of lifetime income for your beneficiary. How Much Do I Need? Some of our preferred partners are listed below. However, this rule of thumb does not account for current assets or any special needs you and your family may have. We are licensed to sell Insurance Products in the following states: Exams are conducted by a licensed paramedical or medical doctor and generally require a blood and urine specimen, blood pressure readings, height and weight measurement, and a series of questions regarding your medical history. We are registered to sell Securities in the following states: Wage-earners need coverage for at least as long as they expect to be gainfully employed. The amount of coverage you select should be equal to the financial loss which the death of the insured will impose upon you or your beneficiary and many Industry experts recommend that you purchase 8 to 12 times your current annual income. Additionally, your age and income have a direct bearing on your life insurance needs. We are licensed to sell Insurance Products in the following states: As an independent company, we can explore many carriers for our clients dependent on their needs. There are four parts to a life insurance contract: